Go back to Choice once you have your points and perform the transfer (Direct Link).

Note that the Choice promotion ends on 11:59 PM ET November 17, 2017, and the points could take up to 24 hours to post to your account. Additionally, the United promotion ends on November 30, 2017, and the Choice to United transfer may take up to 5 business days. That means a point transfer initiated as late as November 24, 2017 should work, but I would do it earlier if possible to be on the safe side.

For what it’s worth, I purchased Choice points for both myself and my wife to transfer to our United accounts. We each have about 100,000 United miles, which typically isn’t enough for the types of awards we book, meaning that we would likely have to top off our accounts with Chase UR before redeeming for anything. With that in mind, I thought it was worth paying 1.185 cents/point now to save Chase UR at a future date.

Previously, I ignored Lifemiles because the best way to accrue their miles was to buy them, and it was never easy to align their sales with my travel planning dates. I’ll look into their program a little more now and see if they merit a write-up.

Quick Summary

Points can be redeemed for cash back. Other redemption options are not worth considering.

The signup bonus is $100 after spending $500 in 90 days.

4% cash back on dining

3% cash back on airfare, hotels, travel agencies, and vacation home rentals including AirBnB

2% cash back on online shopping

Among this card’s other benefits, two main highlights are a $600 cell phone insurance benefit ($25 deductible) and a $50 subscription credit (i.e. Netflix), but the latter requires spending $5,000 in a year to activate. Also, there are no annual or foreign transaction fees.

Should You Get This Card?

It is fairly easy to find a credit card with a $400+ signup bonus either with no annual fee or the first year’s annual fee waived. Keeping that in mind, this card’s bonus is a mere $100, so I would rather apply for another card unless I felt that the benefits of this card were worth $300+. Also note that credit cards giving 2% cash back on all purchases with no annual fee are pretty easy to find too. I’ll spare a lengthier analysis and say the following:

If you travel and dine a lot, especially internationally, consider the Chase Sapphire Reserve card.

If you dine a lot (>$400/month) but don’t travel, and the $100,000 requirement in #2 is an issue, consider the Uber card… Unless you already have the Citi Costco Visa card (3% cash back on travel & dining, also 4% cash back on gas), in which case the incremental upgrade on dining purchases probably isn’t worth it.

If you dine out a bit but less than $400/month and don’t travel much, or if you already have the Citi Costco Visa card, consider any number of other cards that just have a large signup bonus ($400+) and cancel those cards later if they have annual fees you don’t want to pay.

If #4 sounds like too much work, or if you break your phone a lot, then fine, get this card.